Pool Contractor Insurance — What To Consider And What To Skip

Think you’re covered? Discover the essential policies pool contractors actually need — and which ones you might be overpaying for. 

Pool contractors face a unique blend of risks: water damage, property damage, employee injuries, and even equipment theft. But most contractors don’t realize they’re either underinsured or overspending on coverage they don’t need. 

What Insurance Does a Pool Contractor Really Need? 

1. General Liability Insurance
   This is the foundation. It covers property damage or bodily injury to others — for example, if a pressure line bursts and floods a customer’s patio or someone slips on a wet surface during construction. Most residential and commercial clients require proof of GL before work starts. Without it, one small accident could trigger a six-figure lawsuit. 
2. Workers Compensation Insurance
   Even in Texas where it’s optional, skipping workers comp is a gamble. Pool builds and repairs are physical jobs — employees handle electrical wiring, dig trenches, work in the heat, and move heavy equipment. One back injury or chemical burn can lead to massive medical bills and lawsuits. We offer “ghost” policies for owner-only setups and full policies for growing teams. 
3. Commercial Auto Insurance
   If you’re driving your work truck to job sites, your personal policy may deny claims. Pool companies often transport thousands of dollars in equipment, plus hazardous chemicals. Commercial auto ensures you’re covered if an accident happens on the job — even if an employee is driving. But what if your employee is driving their own vehicle to a job site? That’s where Hired and Non-Owned Auto (HNOA) coverage comes in. If they get into an accident while using their personal car for work, your business could still be held liable. HNOA coverage protects your company in these situations — covering legal costs, property damage, or injuries, even though the vehicle isn’t owned by the business. It’s a simple add-on that closes a major gap for pool companies with mobile crews.

4. Inland Marine / Tools & Equipment Coverage
   Your pumps, vacuums, water testers, and hand tools are critical to the job — but most standard policies don’t cover them once they’re off-site. Inland marine protects your gear from theft, loss, or damage while in transit or on a jobsite. 
5. Umbrella / Excess Liability
   If you’re doing commercial work or partnering with HOAs or municipalities, you may need higher liability limits. An umbrella policy extends your GL and auto coverage, offering extra protection if you’re sued for large claims.

Where Pool Contractors Waste Money 

Getting the wrong policy is just as dangerous as not having one. Here’s where we often see contractors overpay: 

• Insuring equipment they no longer use 

• Duplicate coverage across multiple policies 

• Paying for property insurance on office space they don’t own 

• Overinsuring vehicles that only need liability 

A McKnight Insurance review helps clean up the mess, cut premiums, and align your coverage with the real risks you face.  

Why It Pays to Work with a Specialist 

Not every insurance agency understands the pool industry. We do. 

At McKnight Insurance, we write dozens of policies for pool builders, maintenance companies, and water feature installers across Texas. We know how to package your coverage so you don’t overpay. We ask the right questions: How many employees? Do you subcontract? Do you winterize systems? What’s your biggest job size?  

Let’s Make Sure You’re Covered — and Competitive 

Protecting your business isn’t just about compliance — it’s about growth. With the right policies, you’ll: 

• Bid bigger jobs confidently 

• Satisfy contract requirements faster 

• Sleep better knowing your assets are protected 

Want a real conversation with someone who understands your industry? Call McKnight Insurance today or book a free 15-minute risk review.